Mint Shut Down: The Best Mint Alternatives for Families and Couples (2026)

The Best Mint Alternatives for Families and Couples

Intuit shut Mint down on March 23, 2024 and moved users to Credit Karma. Credit Karma tracks spending and net worth, but it doesn't do Mint's core job: monthly budgets by category. Two years later, plenty of former Mint users are still looking for a replacement, and families have it harder, because most apps are built for one person.

This guide looks at the main alternatives from a household's point of view. Can two people use it together? Does it cost per person? Does it need your bank login?

Prices below are approximate, as reported by 2026 reviews, and change often. Check each app's own site before you subscribe.

First: what did you actually use Mint for?

Mint did three things for free, and no single app now does all three for free:

1. Automatic import of bank and card transactions.
2. Category budgets: how much you'd planned for groceries and how much was left.
3. A free price, paid for by ads and offers.

Most replacements keep 1 and 2 and charge for them. A few keep 2 and 3 and drop automatic import. Decide which of the three matters least to you, and the choice gets much easier.

The alternatives

Monarch Money: the closest to "Mint, but better"

• Good for: couples who want everything imported automatically. One subscription includes a second household member.
• Watch out for: no permanent free tier. Core is about $99.99 a year.
• Bank connection: yes, at its core.

YNAB (You Need A Budget): for committed budgeters

• Good for: families who want to plan every dollar ahead (zero-based budgeting). A subscription can be shared with up to six people.
• Watch out for: a learning curve, and about $109 a year after the trial. It works differently from Mint: you plan first and track second.
• Bank connection: optional, but most people use it. See our YNAB alternatives for families.

Copilot Money: polished, Apple-only

• Good for: all-Apple households that want beautiful automatic tracking.
• Watch out for: no Android app, no couples plan (each person pays about $95 a year), no free tier. More in our Copilot Money alternative for Android guide.

Quicken Simplifi: the cheapest "Mint-like" view

• Good for: people who mostly want spending tracked against categories at a lower price, roughly $36–72 a year depending on the plan.
• Watch out for: fewer couple-specific features.

Goodbudget: the classic free envelope app

• Good for: couples who like the envelope method and don't need bank import. It has a free tier that syncs between partners, with a paid plan for more envelopes.
• Watch out for: manual entry, and a fairly dated design.

Empower: free, but not a budget

• Good for: net worth and investment tracking.
• Watch out for: weak budgeting. It's a Credit Karma-style tracker, not a Mint-style budget.

FamilyJar: built for couples and families, no bank login

• Good for: couples and families who want to budget together. Shared categories you both see, personal ones that stay private, on iOS and Android.
• Free to start, and Pro covers the whole family, so one subscription is enough for both of you.
• Envelope budgeting with monthly, yearly and rolling categories, savings goals and debt payoff.
• Watch out for: no automatic import. FamilyJar never connects to your bank, so you log spending yourself. The free built-in AI assistant makes that quick: type "45 on groceries" and tap Confirm.

Quick comparison

App	Free plan	Couples / family	Bank import	Approx. price
Monarch Money	No	2nd member included	Yes	~$100 / year
YNAB	No (trial)	Share with up to 6	Optional	~$109 / year
Copilot Money	No (trial)	Separate per person	Yes	~$95 / year each
Quicken Simplifi	No	Limited	Yes	~$36–72 / year
Goodbudget	Yes	Partner sync	No	Free / paid plan
Empower	Yes	—	Yes	Free
FamilyJar	Yes	Shared + personal categories, one Pro for the family	No	Free / Pro

How to choose

• You want Mint back, as close as possible, and don't mind paying: Monarch Money.
• You want to change how you budget, not just track: YNAB.
• You're budgeting as a couple, with mixed phones, and would rather not hand over your bank login: FamilyJar or Goodbudget.
• You only cared about net worth: Empower or Credit Karma.

Not sure the method fits you? Start with our complete guide to envelope budgeting, or read why budgeting without linking your bank account can be the safer choice.

Frequently Asked Questions

When did Mint shut down?+

Intuit shut down Mint on March 23, 2024 and moved users to Credit Karma.

Does Credit Karma replace Mint's budgets?+

Not fully. Credit Karma tracks spending and net worth, but it does not offer Mint-style monthly budgets by category.

What is the best free Mint alternative for couples?+

If you don't need automatic bank import, FamilyJar and Goodbudget both have free plans that work for couples. FamilyJar adds shared and personal categories on iOS and Android.

Which Mint alternative is closest to the original?+

Monarch Money is usually considered the closest, with automatic import and category budgets, but it has no permanent free tier.